The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$46,650
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,101
−HK$1,474/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,591
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,897
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,412/mo
Today · 4.125%
HK$54,701
baseline
▲ 0.50% · 4.625%
HK$57,584
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,402/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,980
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,721
−HK$1,769/mo
Today · 4.125%
HK$59,490
baseline
▲ 0.50% · 4.625%
HK$63,110
+HK$3,620/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,980/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,277
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,947
−HK$1,694/mo
Today · 4.125%
HK$65,641
baseline
▲ 0.50% · 4.625%
HK$69,101
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,282/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,309
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,341
−HK$2,064/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,628
+HK$4,223/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,656
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$1,976/mo
Today · 4.125%
HK$76,581
baseline
▲ 0.50% · 4.625%
HK$80,618
+HK$4,037/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,162/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,969
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,581
−HK$2,654/mo
Today · 4.125%
HK$89,235
baseline
▲ 0.50% · 4.625%
HK$94,665
+HK$5,430/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,470/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,415
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,920
−HK$2,542/mo
Today · 4.125%
HK$98,462
baseline
▲ 0.50% · 4.625%
HK$103,652
+HK$5,190/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,924/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,806 · Scale 2, in force from 26 Feb 2026)